Frequently Asked Questions
Login
> What if I forgot my Login ID or PIN (Password)?
> Can I change my WealthManager ID and/or PIN#?
Setup
> What software or hardware do I need to use Online Banking?
> Can I access WealthManager Online Banking from any computer?
> Can I have WealthManager Online Banking without Cash Management?
> How can I add accounts to my Online Banking after the initial setup?
Features
> Can I transfer funds between my BNC National Bank Accounts?
> Can I get copies of my checks or statements?
> Are my transactions immediately posted to Online Banking?
> How many days should I allow to ensure my bill pay items arrive at the payee company?
Fees
> How much does WealthManager Online Banking cost?
> Is there a fee for transferring between accounts?
> Can I download to Microsoft Money, Quicken or a similar program?
Misc
> Are there any Non-Processing Days for Cash Management customers?
Security
> Is WealthManager Online Banking secure?
> What is encryption and what level do I need?
> How secure is my information I use online?
> Is any of my information stored on my local computer for others to view?
Questions and Answers:
Q
-
What if I forgot my
ID or Password (PIN)?
A - Forgot your ID or
PIN? Please call toll free at 1-800-BNC-BANK to get
re-activated or email to
web@bncbank.com. We will be happy to assist you.
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Q
-
Can I transfer
funds between my BNC National Bank Accounts?
A
- Yes, you can transfer funds between any of your BNC
accounts that you have linked to your WealthManager Online Banking.
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Q
-
How much does
WealthManager Online Banking cost?
A
- Access to WealthManager Online banking is free. There is an additional charge for the Cash Management features.
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Q
-
Can
I have WealthManager Online Banking without Cash Management?
A
- Yes,
Cash Management has separate features and is geared for the commercial
customers. The regular WealthManager Online Banking is FREE to
all BNC customers.
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Q
-
Is WealthManager
Online Banking secure?
A-
Yes, BNC National Bank has implemented nationally recognized,
sophisticated networking architecture consisting of data encryption
throughout the transmission to prevent unauthorized access or
interception. You will notice a lock symbol in the lower right
hand corner of your browser window which signifies the
security id.
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Q
-
What
software or hardware do I need to use the WealthManager Online
Banking?
A
- A computer that can
access the Internet and an Internet browser software. Upgrade to
the latest version......
Microsoft Internet Explorer
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Q
-
Can I get copies of
my checks or statements?
A
- Yes! Through WealthManager Online Banking you are able
to print copies of checks and statements. (Check images are available
the next day after posting date)
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Q
-
Can I access
WealthManager Online Banking from any computer?
A
- Yes, because there is no software to download, you can
access WealthManager Online Banking through any computer with Internet
access.
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Q
-
Are my transactions
immediately posted on WealthManager Online Banking?
A
- Yes, transactions are posted "real time".
However, transfers made after 6pm, are posted as next day. Please observe the following cutoff times on regular business days:
6:00pm CST for Transfers
2:30pm CST for ACH & Wires
Holiday hours ( times will vary)
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Q
-
How can I add accounts to my WealthManger Online Banking after the
initial setup?
A
- Fill out
an Online "Add
Accounts Request" or contact our Online Banking Specialist at
1-800-BNC-BANK.
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Q
-
Is there a fee for
transferring between accounts?
A
- There
is NO fee for this service.
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Q
-
Can I download to
Microsoft Money, Quicken or a similar program?
A
- Yes, you can download to Microsoft Money, Quicken and
Spreadsheets. Please contact our Online Banking Specialist
for more details at 1-800-BNC-BANK.
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Q
-
Can I change my
WealthManager ID and/or PIN#?
A
- Yes, once you log on for the first time, you will be
prompted to change your PIN #. Once you have done that and accessed
your BNC accounts, you may change your WealthManager ID and Pin at
anytime.
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Q
-
How secure is my
information I use online?
A
- Your
account information as well as applications and contact forms are
encrypted from the beginning to the end of the process. You will
notice a lock symbol in the lower right hand corner of your browser
window, which signifies the security ID.
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Q
-
Is any of my information stored on my local computer for others to
view?
A
- Customer
data is not stored on your local drive, the data remains on the banks
host system at all times.
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Q
-
What is
encryption and what level do I need?
A
- Encryption
rewrites the code in a way that can be decoded later with the right
key. Encryption employs a mathematical process for the key,
which is made up of a certain number of bits (ie..40-bit, 128-bit).
The higher the number of bits, the better the encryption. BNC's
encryption is set for 128-bit. All communication from you to the
system and from the system to you is encrypted using a maximum of 128
bits.
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Q
-
Are there any Non-Processing Days for Cash Management customers?
A
- Yes, here
is the list of non-processing days:
|
2007 |
2008 |
2009 |
|
|
New Year's Day |
Jan 1 |
Jan 1 |
Jan 1 |
|
Martin Luther King, Jr. Day |
Jan 15 |
Jan 21 |
Jan 19 |
|
Presidents' Day |
Feb 19 |
Feb 18 |
Feb 16 |
|
Memorial Day |
May 28 |
May 26 |
May 25 |
|
Independence Day |
July 4 |
July 4 |
July 4 |
|
Labor Day |
Sept 3 |
Sept 1 |
Sept 7 |
|
Columbus Day |
Oct 8 |
Oct 13 |
Oct 12 |
|
Veterans' Day |
Nov 12 |
Nov 11 |
Nov 11 |
|
Thanksgiving Day |
Nov 22 |
Nov 27 |
Nov 26 |
|
Christmas Day |
Dec 25 |
Dec 25 |
Dec 25 |
|
*All bank locations will be closed on these days.
*For holidays
falling on Saturday, Federal Reserve Banks and branches will be open
the preceding Friday. |
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Q
- How many days should I allow to ensure my bill pay items arrive at the
payee company?
A
- Please
allow approximately 5-7 business days mailing time for check
payments and 2-3 business days for electronic payments.
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QUESTIONS?
Contact our Online Banking Support at...
701-250-3017
(Bismarck, ND)
toll free 1-800-BNC-BANK
or click here
to send a secure email
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